Member Services

Gulf Winds is a full-service financial institution offering a wide range of accounts and services for our members.

Convenience Services

ATM Network

There are no fees for members who use their Gulf Winds cards in CO-OP Network ATMs. With over 90 free local ATMs, and more than 30,000 free nationwide ATMs, there is bound to be one close to you. View ATM Locations »

Mobile Banking

With Mobile Banking at Gulf Winds, you can manage your money and access your accounts anywhere you go. The Gulf Winds mobile app is available for all major smartphone platforms. Learn More »

Online Banking

Our Free Online Banking service provides secure online access to your accounts wherever you have or use a personal computer. No software is needed, just a computer with internet access. Check your balances, transfer funds, make loan payments, review account history, and download account information - all on Online Banking. Learn More »

Online Bill Pay

Free Online Bill Pay from Gulf Winds makes paying your bills quick and easy. Each payment is automatically debited from your Gulf Winds checking account and itemized on your monthly statement. Just point, click, and your bills will be paid on time, every time. Learn More »

e-Statements with Check Images

We offer Free and instant access to your Gulf Winds statements online. No more waiting for the mail. This service also allows you to view and print your canceled check images. Learn More »

850.479.9601 (Local) or 800.650.6328 (Toll-free)
Our Phone Banking service is available 24 hours a day, 7 days a week. To use Phone Banking, all you need is a touch-tone phone, your account number and a 6-digit PIN number. If you need a PIN number, please call our Contact Center at 850.479.9601. It is an easy way to check your account balances, find out whether checks have cleared, transfer funds from one account to another, and much more.

Check Ordering

For your convenience, Gulf Winds offers several methods of ordering your checks. You can reorder checks any time you need to through Online Banking. With just a few clicks, you can reorder the same checks you have always used with us, or you can choose from dozens of different styles. You may also call toll free 877.838.5287 and place your order, drop your check reorder form off at any of our branches, or mail the form to our Corporate Office.

Overdraft Protection

Overdraft protection gives you peace of mind by automatically transferring from other accounts you designate to cover your items presented for payment to your checking account. There is no charge to you for this valuable service, no transfer fee or non-sufficient funds (NSF) fee.

Overdraft Privilege

Gulf Winds offers discretionary Overdraft Privilege, a financial resource that can cover your overdraft checks, should you make a mistake with your account. This privilege may protect you from merchant returned check charges. A fee will be incurred for use of this service.

Direct Deposit

Avoid lines on payday with Direct Deposit. Direct Deposit is one of the most convenient services Gulf Winds offers. Most regularly occurring government and payroll checks can be deposited into your account automatically with Direct Deposit. Direct Deposit is fast, safe, and, best of all, Free.

1 Auto Loan Rates as low as 1.49% APR for up to 36 months. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history. 2Account opening is subject to approval. 3Rates and terms are based on individual credit worthiness. Rates are subject to change without prior notice. 4 Rates are subject to change after the account is opened. APY=Annual Percentage Yield. Fees may reduce earnings. 5Rates and yields are subject to change each Friday.